No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 NONE | Other commissions; Contract Administrator Service code 13 | 1501 S CLINTON STREET 7TH FLOOR BALTIMORE, MD 21224 | $78K |
| SMART FINANCIALS.NET EIN 03-0382263 NONE | Accounting (including auditing) Service code 10 | 4425 FITCH AVENUE SUITE 114 BALTIMORE, MD 21236 | $56K |
| HALEY & ASSOCIATES, LLC EIN 55-0108153 NONE | Accounting (including auditing) Service code 10 | 5000 SUNNYSIDE AVENUE 304 BELTSVILLE, MD 20705 | $25K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECROSS BLUE SHIELD | 172 | $537K |
| Dental | DENTEMAX | 172 | $9K |
| Life insurance(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 286 | $69K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 286 | $69K |
| Long-term disability(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 286 | $69K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECROSS BLUE SHIELD | 172 | $670K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 172 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.